Home > Bank of Virginia > Performance and Condition Ratios
Bank of Virginia, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6597% | 4,413 |
| Cost of funding earning assets | 0.8081% | 474 |
| Net interest margin | 2.8517% | 5,346 |
| Noninterest income to average assets | -0.3400% | 6,043 |
| Noninterest expense to average assets | 2.9692% | 2,449 |
| Loan and lease loss provision to assets | 0.0840% | 2,462 |
| Net operating income to assets | -0.6869% | 5,949 |
| Return on assets (ROA) | -0.6869% | 5,953 |
| Pretax return on assets | -0.6869% | 5,944 |
| Return on Equity (ROE) | -9.1232% | 5,973 |
| Retained earnings to average equity (ytd only) | -9.1232% | 5,862 |
| Net charge-offs to loans | 0.0450% | 2,574 |
| Credit loss provision to net charge-offs | 267.2727% | 1,054 |
| Earnings coverage of net charge-offs (x) | -19.1818% | 3,660 |
| Efficiency ratio | 125.4769% | 76 |
| Assets per employee ($millions) | 7.3694% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3639% | 5,903 |
| Loan loss allowance to noncurrent loans | 11.6368% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 2.7558% | 465 |
| Noncurrent loans to loans | 3.1270% | 458 |
| Net loans and leases to total assets | 70.8273% | 2,348 |
| Net loans and leases to deposits | 84.4242% | 2,416 |
| Net loans and leases to core deposits | 108.1705% | 1,031 |
| Total domestic deposits to total assets | 83.8945% | 3,310 |
| Equity capital to assets | 7.4195% | 5,928 |
| Core capital (leverage) ratio | 7.4445% | 5,889 |
| Tier 1 risk-based capital ratio | 11.7897% | 4,981 |
| Total risk-based capital ratio | 12.2006% | 5,373 |
| Memoranda: | ||
| Average total assets | $349,998,330 | 1,913 |
| Average earning assets | $332,155,330 | 1,869 |
| Average equity | $26,350,330 | 2,638 |
| Average total loans | $244,590,670 | 1,831 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 4,382 |
| Cost of funding earning assets | 0.7774% | 553 |
| Net interest margin | 2.9035% | 5,314 |
| Noninterest income to average assets | -0.8434% | 6,115 |
| Noninterest expense to average assets | 3.3217% | 1,551 |
| Loan and lease loss provision to assets | 0.1126% | 1,856 |
| Net operating income to assets | -1.5270% | 6,058 |
| Return on assets (ROA) | -1.5270% | 6,058 |
| Pretax return on assets | -1.5270% | 6,053 |
| Return on Equity (ROE) | -20.1341% | 6,069 |
| Retained earnings to average equity (ytd only) | -20.1341% | 5,968 |
| Net charge-offs to loans | 0.0912% | 1,595 |
| Credit loss provision to net charge-offs | 178.1818% | 1,160 |
| Earnings coverage of net charge-offs (x) | -22.3818% | 3,079 |
| Efficiency ratio | 174.1566% | 27 |
| Assets per employee ($millions) | 7.0976% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3668% | 5,974 |
| Loan loss allowance to noncurrent loans | 10.1298% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 3.0381% | 410 |
| Noncurrent loans to loans | 3.6214% | 366 |
| Net loans and leases to total assets | 67.6284% | 2,709 |
| Net loans and leases to deposits | 80.8728% | 2,687 |
| Net loans and leases to core deposits | 110.4884% | 830 |
| Total domestic deposits to total assets | 83.6231% | 3,668 |
| Equity capital to assets | 7.4785% | 5,951 |
| Core capital (leverage) ratio | 7.4310% | 5,936 |
| Tier 1 risk-based capital ratio | 12.8343% | 4,372 |
| Total risk-based capital ratio | 13.2598% | 4,828 |
| Memoranda: | ||
| Average total assets | $348,132,000 | 1,923 |
| Average earning assets | $329,803,500 | 1,883 |
| Average equity | $26,403,000 | 2,637 |
| Average total loans | $241,159,500 | 1,851 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4465% | 5,051 |
| Cost of funding earning assets | 0.7407% | 664 |
| Net interest margin | 2.7058% | 5,639 |
| Noninterest income to average assets | 0.1188% | 5,808 |
| Noninterest expense to average assets | 2.3590% | 4,619 |
| Loan and lease loss provision to assets | -0.0870% | 5,830 |
| Net operating income to assets | 0.3752% | 5,124 |
| Return on assets (ROA) | 0.4150% | 5,088 |
| Pretax return on assets | 0.4150% | 5,289 |
| Return on Equity (ROE) | 5.2769% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.2769% | 2,225 |
| Net charge-offs to loans | -0.0119% | 5,150 |
| Credit loss provision to net charge-offs | 1,085.1852% | 311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1146% | 749 |
| Assets per employee ($millions) | 6.3360% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3342% | 6,036 |
| Loan loss allowance to noncurrent loans | 7.1696% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 3.8306% | 277 |
| Noncurrent loans to loans | 4.6615% | 220 |
| Net loans and leases to total assets | 70.4285% | 2,301 |
| Net loans and leases to deposits | 84.3457% | 2,324 |
| Net loans and leases to core deposits | 120.1928% | 473 |
| Total domestic deposits to total assets | 83.4998% | 3,676 |
| Equity capital to assets | 7.6897% | 5,946 |
| Core capital (leverage) ratio | 7.8176% | 5,903 |
| Tier 1 risk-based capital ratio | 13.0425% | 4,281 |
| Total risk-based capital ratio | 13.4335% | 4,738 |
| Memoranda: | ||
| Average total assets | $336,624,200 | 1,950 |
| Average earning assets | $314,550,200 | 1,928 |
| Average equity | $26,473,800 | 2,597 |
| Average total loans | $226,783,200 | 1,884 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 5,120 |
| Cost of funding earning assets | 0.7327% | 708 |
| Net interest margin | 2.7063% | 5,718 |
| Noninterest income to average assets | 0.1159% | 5,895 |
| Noninterest expense to average assets | 2.3181% | 4,737 |
| Loan and lease loss provision to assets | -0.1319% | 6,040 |
| Net operating income to assets | 0.4507% | 4,968 |
| Return on assets (ROA) | 0.5051% | 4,858 |
| Pretax return on assets | 0.5051% | 5,206 |
| Return on Equity (ROE) | 6.3854% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.3854% | 2,026 |
| Net charge-offs to loans | -0.0865% | 5,734 |
| Credit loss provision to net charge-offs | 229.1667% | 1,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9073% | 845 |
| Assets per employee ($millions) | 6.4495% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3945% | 6,091 |
| Loan loss allowance to noncurrent loans | 8.3126% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 3.6247% | 344 |
| Noncurrent loans to loans | 4.7463% | 231 |
| Net loans and leases to total assets | 65.4576% | 3,090 |
| Net loans and leases to deposits | 78.4341% | 3,057 |
| Net loans and leases to core deposits | 96.7188% | 1,821 |
| Total domestic deposits to total assets | 83.4555% | 3,627 |
| Equity capital to assets | 7.7718% | 6,027 |
| Core capital (leverage) ratio | 7.8705% | 5,956 |
| Tier 1 risk-based capital ratio | 13.5739% | 4,101 |
| Total risk-based capital ratio | 14.0226% | 4,472 |
| Memoranda: | ||
| Average total assets | $333,660,000 | 1,982 |
| Average earning assets | $310,818,750 | 1,965 |
| Average equity | $26,393,000 | 2,623 |
| Average total loans | $221,915,750 | 1,919 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 5,185 |
| Cost of funding earning assets | 0.7179% | 771 |
| Net interest margin | 2.7016% | 5,760 |
| Noninterest income to average assets | 0.1192% | 5,946 |
| Noninterest expense to average assets | 2.2090% | 5,092 |
| Loan and lease loss provision to assets | -0.1606% | 6,148 |
| Net operating income to assets | 0.6021% | 4,337 |
| Return on assets (ROA) | 0.6714% | 4,135 |
| Pretax return on assets | 0.6714% | 4,752 |
| Return on Equity (ROE) | 8.4205% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.4205% | 1,109 |
| Net charge-offs to loans | -0.1503% | 5,934 |
| Credit loss provision to net charge-offs | 160.0000% | 1,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3410% | 1,336 |
| Assets per employee ($millions) | 6.8620% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4381% | 6,138 |
| Loan loss allowance to noncurrent loans | 8.6957% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 3.8339% | 354 |
| Noncurrent loans to loans | 5.0385% | 224 |
| Net loans and leases to total assets | 65.5696% | 3,025 |
| Net loans and leases to deposits | 78.6446% | 2,950 |
| Net loans and leases to core deposits | 83.3905% | 3,042 |
| Total domestic deposits to total assets | 83.3746% | 3,807 |
| Equity capital to assets | 7.7482% | 6,064 |
| Core capital (leverage) ratio | 8.2930% | 5,716 |
| Tier 1 risk-based capital ratio | 14.1601% | 3,838 |
| Total risk-based capital ratio | 14.6762% | 4,195 |
| Memoranda: | ||
| Average total assets | $328,842,330 | 2,022 |
| Average earning assets | $308,111,000 | 1,994 |
| Average equity | $26,221,670 | 2,640 |
| Average total loans | $219,596,330 | 1,944 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3690% | 5,286 |
| Cost of funding earning assets | 0.7166% | 789 |
| Net interest margin | 2.6524% | 5,864 |
| Noninterest income to average assets | 0.1231% | 5,985 |
| Noninterest expense to average assets | 2.5377% | 4,149 |
| Loan and lease loss provision to assets | -0.4227% | 6,339 |
| Net operating income to assets | 0.5073% | 4,646 |
| Return on assets (ROA) | 0.6490% | 4,172 |
| Pretax return on assets | 0.6490% | 4,768 |
| Return on Equity (ROE) | 8.0183% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.0183% | 1,565 |
| Net charge-offs to loans | -0.6525% | 6,276 |
| Credit loss provision to net charge-offs | 96.3173% | 1,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7757% | 471 |
| Assets per employee ($millions) | 6.2416% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5012% | 6,165 |
| Loan loss allowance to noncurrent loans | 9.4471% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 4.1015% | 363 |
| Noncurrent loans to loans | 5.3054% | 233 |
| Net loans and leases to total assets | 67.4034% | 2,546 |
| Net loans and leases to deposits | 81.9196% | 2,342 |
| Net loans and leases to core deposits | 85.6175% | 2,591 |
| Total domestic deposits to total assets | 82.2800% | 4,424 |
| Equity capital to assets | 8.1525% | 5,964 |
| Core capital (leverage) ratio | 8.2686% | 5,763 |
| Tier 1 risk-based capital ratio | 14.8080% | 3,538 |
| Total risk-based capital ratio | 15.4217% | 3,827 |
| Memoranda: | ||
| Average total assets | $321,713,000 | 2,078 |
| Average earning assets | $303,119,000 | 2,035 |
| Average equity | $26,040,500 | 2,671 |
| Average total loans | $216,414,500 | 1,966 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7899% | 4,527 |
| Cost of funding earning assets | 0.7386% | 905 |
| Net interest margin | 3.0513% | 5,312 |
| Noninterest income to average assets | 0.1013% | 6,151 |
| Noninterest expense to average assets | 2.8255% | 3,398 |
| Loan and lease loss provision to assets | 0.1069% | 2,368 |
| Net operating income to assets | 0.0512% | 6,018 |
| Return on assets (ROA) | 0.1132% | 5,972 |
| Pretax return on assets | 0.1132% | 5,976 |
| Return on Equity (ROE) | 1.5564% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.5564% | 5,054 |
| Net charge-offs to loans | 0.3523% | 1,242 |
| Credit loss provision to net charge-offs | 43.2624% | 3,616 |
| Earnings coverage of net charge-offs (x) | 0.6397% | 4,601 |
| Efficiency ratio | 94.7028% | 562 |
| Assets per employee ($millions) | 5.7975% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5114% | 6,244 |
| Loan loss allowance to noncurrent loans | 8.0074% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 4.7798% | 301 |
| Noncurrent loans to loans | 6.3862% | 168 |
| Net loans and leases to total assets | 66.4459% | 2,816 |
| Net loans and leases to deposits | 79.2396% | 2,811 |
| Net loans and leases to core deposits | 82.2464% | 3,077 |
| Total domestic deposits to total assets | 83.8544% | 3,782 |
| Equity capital to assets | 8.0352% | 6,050 |
| Core capital (leverage) ratio | 8.2424% | 5,829 |
| Tier 1 risk-based capital ratio | 14.8932% | 3,547 |
| Total risk-based capital ratio | 15.5173% | 3,848 |
| Memoranda: | ||
| Average total assets | $285,364,800 | 2,239 |
| Average earning assets | $269,561,200 | 2,199 |
| Average equity | $20,752,400 | 3,075 |
| Average total loans | $200,130,000 | 2,033 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8559% | 4,346 |
| Cost of funding earning assets | 0.7469% | 904 |
| Net interest margin | 3.1090% | 5,231 |
| Noninterest income to average assets | 0.0992% | 6,252 |
| Noninterest expense to average assets | 2.9521% | 2,958 |
| Loan and lease loss provision to assets | 0.0592% | 3,182 |
| Net operating income to assets | 0.0212% | 6,122 |
| Return on assets (ROA) | 0.0505% | 6,115 |
| Pretax return on assets | 0.0505% | 6,113 |
| Return on Equity (ROE) | 0.7167% | 6,074 |
| Retained earnings to average equity (ytd only) | 0.7167% | 5,590 |
| Net charge-offs to loans | 0.2613% | 1,491 |
| Credit loss provision to net charge-offs | 31.8653% | 3,425 |
| Earnings coverage of net charge-offs (x) | 0.4326% | 4,389 |
| Efficiency ratio | 97.3492% | 459 |
| Assets per employee ($millions) | 5.6787% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6000% | 6,226 |
| Loan loss allowance to noncurrent loans | 8.8399% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 5.1208% | 325 |
| Noncurrent loans to loans | 6.7879% | 179 |
| Net loans and leases to total assets | 67.4792% | 2,617 |
| Net loans and leases to deposits | 79.7305% | 2,732 |
| Net loans and leases to core deposits | 82.9936% | 3,001 |
| Total domestic deposits to total assets | 84.6340% | 3,488 |
| Equity capital to assets | 8.4294% | 5,852 |
| Core capital (leverage) ratio | 8.7085% | 5,424 |
| Tier 1 risk-based capital ratio | 15.4743% | 3,338 |
| Total risk-based capital ratio | 16.2108% | 3,539 |
| Memoranda: | ||
| Average total assets | $276,990,750 | 2,314 |
| Average earning assets | $261,343,500 | 2,281 |
| Average equity | $19,535,250 | 3,220 |
| Average total loans | $196,922,750 | 2,077 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 4,161 |
| Cost of funding earning assets | 0.7607% | 879 |
| Net interest margin | 3.1322% | 5,150 |
| Noninterest income to average assets | 0.0900% | 6,316 |
| Noninterest expense to average assets | 3.0573% | 2,637 |
| Loan and lease loss provision to assets | 0.1703% | 1,440 |
| Net operating income to assets | -0.1866% | 6,313 |
| Return on assets (ROA) | -0.1390% | 6,295 |
| Pretax return on assets | -0.1390% | 6,283 |
| Return on Equity (ROE) | -2.1262% | 6,339 |
| Retained earnings to average equity (ytd only) | -2.1262% | 6,009 |
| Net charge-offs to loans | 0.3199% | 1,267 |
| Credit loss provision to net charge-offs | 73.6334% | 2,409 |
| Earnings coverage of net charge-offs (x) | -0.0707% | 4,135 |
| Efficiency ratio | 100.5379% | 388 |
| Assets per employee ($millions) | 6.1568% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6887% | 6,192 |
| Loan loss allowance to noncurrent loans | 10.8716% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 4.9014% | 372 |
| Noncurrent loans to loans | 6.3353% | 230 |
| Net loans and leases to total assets | 68.6498% | 2,300 |
| Net loans and leases to deposits | 82.1472% | 2,238 |
| Net loans and leases to core deposits | 85.6839% | 2,549 |
| Total domestic deposits to total assets | 83.5693% | 4,084 |
| Equity capital to assets | 8.5065% | 5,796 |
| Core capital (leverage) ratio | 8.9029% | 5,157 |
| Tier 1 risk-based capital ratio | 15.5518% | 3,334 |
| Total risk-based capital ratio | 16.4113% | 3,493 |
| Memoranda: | ||
| Average total assets | $268,997,670 | 2,379 |
| Average earning assets | $253,436,000 | 2,325 |
| Average equity | $17,590,330 | 3,465 |
| Average total loans | $194,457,670 | 2,093 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 3,938 |
| Cost of funding earning assets | 0.7785% | 840 |
| Net interest margin | 3.1589% | 5,055 |
| Noninterest income to average assets | 0.0938% | 6,352 |
| Noninterest expense to average assets | 3.3316% | 1,870 |
| Loan and lease loss provision to assets | 0.0313% | 3,413 |
| Net operating income to assets | -0.3050% | 6,399 |
| Return on assets (ROA) | -0.2049% | 6,360 |
| Pretax return on assets | -0.2049% | 6,348 |
| Return on Equity (ROE) | -3.7927% | 6,438 |
| Retained earnings to average equity (ytd only) | -3.7927% | 6,041 |
| Net charge-offs to loans | 0.0106% | 3,412 |
| Credit loss provision to net charge-offs | 400.0000% | 650 |
| Earnings coverage of net charge-offs (x) | -35.0000% | 3,633 |
| Efficiency ratio | 108.9514% | 288 |
| Assets per employee ($millions) | 5.9894% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 6,219 |
| Loan loss allowance to noncurrent loans | 6.7888% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 8.6010% | 146 |
| Noncurrent loans to loans | 10.8025% | 86 |
| Net loans and leases to total assets | 73.8905% | 1,289 |
| Net loans and leases to deposits | 86.5409% | 1,527 |
| Net loans and leases to core deposits | 89.8652% | 1,921 |
| Total domestic deposits to total assets | 85.3822% | 3,681 |
| Equity capital to assets | 4.9907% | 6,640 |
| Core capital (leverage) ratio | 5.8075% | 6,609 |
| Tier 1 risk-based capital ratio | 9.0290% | 6,597 |
| Total risk-based capital ratio | 9.9986% | 6,606 |
| Memoranda: | ||
| Average total assets | $255,733,500 | 2,495 |
| Average earning assets | $239,956,500 | 2,444 |
| Average equity | $13,816,000 | 4,084 |
| Average total loans | $189,544,000 | 2,138 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,662 |
| Cost of funding earning assets | 0.8559% | 931 |
| Net interest margin | 3.8117% | 2,609 |
| Noninterest income to average assets | 0.1491% | 6,193 |
| Noninterest expense to average assets | 3.1094% | 2,705 |
| Loan and lease loss provision to assets | 0.0084% | 4,954 |
| Net operating income to assets | 0.5960% | 4,280 |
| Return on assets (ROA) | 0.5960% | 4,396 |
| Pretax return on assets | 0.5960% | 4,886 |
| Return on Equity (ROE) | 9.7220% | 2,226 |
| Retained earnings to average equity (ytd only) | 9.7220% | 616 |
| Net charge-offs to loans | 0.3719% | 1,818 |
| Credit loss provision to net charge-offs | 2.9366% | 4,672 |
| Earnings coverage of net charge-offs (x) | 2.1113% | 4,330 |
| Efficiency ratio | 83.7245% | 1,660 |
| Assets per employee ($millions) | 5.6180% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8557% | 6,043 |
| Loan loss allowance to noncurrent loans | 6.8573% | 6,285 |
| Noncurrent assets plus other real estate owned to assets | 9.8574% | 131 |
| Noncurrent loans to loans | 12.4789% | 63 |
| Net loans and leases to total assets | 73.1147% | 1,502 |
| Net loans and leases to deposits | 81.7519% | 2,212 |
| Net loans and leases to core deposits | 85.2327% | 2,538 |
| Total domestic deposits to total assets | 89.4348% | 1,370 |
| Equity capital to assets | 5.8834% | 6,628 |
| Core capital (leverage) ratio | 6.0897% | 6,642 |
| Tier 1 risk-based capital ratio | 10.1729% | 6,465 |
| Total risk-based capital ratio | 11.2451% | 6,483 |
| Memoranda: | ||
| Average total assets | $225,994,200 | 2,757 |
| Average earning assets | $211,351,400 | 2,709 |
| Average equity | $13,855,200 | 4,095 |
| Average total loans | $173,992,800 | 2,258 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8509% | 1,240 |
| Cost of funding earning assets | 0.8655% | 968 |
| Net interest margin | 3.9854% | 1,995 |
| Noninterest income to average assets | 0.1503% | 6,283 |
| Noninterest expense to average assets | 3.1354% | 2,550 |
| Loan and lease loss provision to assets | 0.0662% | 3,731 |
| Net operating income to assets | 0.6765% | 3,974 |
| Return on assets (ROA) | 0.6765% | 4,122 |
| Pretax return on assets | 0.6765% | 4,761 |
| Return on Equity (ROE) | 10.9179% | 1,849 |
| Retained earnings to average equity (ytd only) | 10.9179% | 589 |
| Net charge-offs to loans | 0.5456% | 1,167 |
| Credit loss provision to net charge-offs | 15.5899% | 4,138 |
| Earnings coverage of net charge-offs (x) | 1.7486% | 4,250 |
| Efficiency ratio | 80.8491% | 1,991 |
| Assets per employee ($millions) | 5.5622% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 6,114 |
| Loan loss allowance to noncurrent loans | 6.3861% | 6,374 |
| Noncurrent assets plus other real estate owned to assets | 10.8231% | 117 |
| Noncurrent loans to loans | 13.7387% | 56 |
| Net loans and leases to total assets | 73.3155% | 1,393 |
| Net loans and leases to deposits | 81.9077% | 2,150 |
| Net loans and leases to core deposits | 87.1166% | 2,270 |
| Total domestic deposits to total assets | 89.5099% | 1,293 |
| Equity capital to assets | 5.8204% | 6,713 |
| Core capital (leverage) ratio | 5.9783% | 6,719 |
| Tier 1 risk-based capital ratio | 10.1202% | 6,565 |
| Total risk-based capital ratio | 11.2127% | 6,570 |
| Memoranda: | ||
| Average total assets | $223,504,250 | 2,798 |
| Average earning assets | $209,056,250 | 2,752 |
| Average equity | $13,848,500 | 4,144 |
| Average total loans | $173,989,500 | 2,264 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1168% | 748 |
| Cost of funding earning assets | 0.8710% | 1,025 |
| Net interest margin | 4.2457% | 1,150 |
| Noninterest income to average assets | 0.1199% | 6,451 |
| Noninterest expense to average assets | 3.2589% | 2,193 |
| Loan and lease loss provision to assets | 0.1217% | 2,800 |
| Net operating income to assets | 0.7205% | 3,717 |
| Return on assets (ROA) | 0.7205% | 3,887 |
| Pretax return on assets | 0.7205% | 4,615 |
| Return on Equity (ROE) | 11.3836% | 1,691 |
| Retained earnings to average equity (ytd only) | 11.3836% | 585 |
| Net charge-offs to loans | 0.7902% | 794 |
| Credit loss provision to net charge-offs | 19.4485% | 3,742 |
| Earnings coverage of net charge-offs (x) | 1.3454% | 4,096 |
| Efficiency ratio | 79.4639% | 2,228 |
| Assets per employee ($millions) | 5.3501% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 6,062 |
| Loan loss allowance to noncurrent loans | 20.2305% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 4.1247% | 830 |
| Noncurrent loans to loans | 4.5828% | 754 |
| Net loans and leases to total assets | 72.5556% | 1,470 |
| Net loans and leases to deposits | 81.1979% | 2,158 |
| Net loans and leases to core deposits | 87.3925% | 2,183 |
| Total domestic deposits to total assets | 89.3564% | 1,406 |
| Equity capital to assets | 5.8630% | 6,750 |
| Core capital (leverage) ratio | 5.4041% | 6,802 |
| Tier 1 risk-based capital ratio | 10.2818% | 6,571 |
| Total risk-based capital ratio | 11.4549% | 6,562 |
| Memoranda: | ||
| Average total assets | $220,135,330 | 2,838 |
| Average earning assets | $206,418,670 | 2,792 |
| Average equity | $13,932,330 | 4,161 |
| Average total loans | $174,389,670 | 2,262 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2914% | 521 |
| Cost of funding earning assets | 0.8587% | 1,210 |
| Net interest margin | 4.4327% | 760 |
| Noninterest income to average assets | 0.1245% | 6,477 |
| Noninterest expense to average assets | 3.4316% | 1,761 |
| Loan and lease loss provision to assets | 0.2361% | 1,540 |
| Net operating income to assets | 0.6023% | 4,203 |
| Return on assets (ROA) | 0.6023% | 4,358 |
| Pretax return on assets | 0.6023% | 4,937 |
| Return on Equity (ROE) | 9.1561% | 2,412 |
| Retained earnings to average equity (ytd only) | 9.1561% | 1,330 |
| Net charge-offs to loans | 1.4909% | 365 |
| Credit loss provision to net charge-offs | 19.2133% | 3,045 |
| Earnings coverage of net charge-offs (x) | 0.6823% | 3,600 |
| Efficiency ratio | 80.3657% | 2,273 |
| Assets per employee ($millions) | 5.5638% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7504% | 6,529 |
| Loan loss allowance to noncurrent loans | 19.4376% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 3.9589% | 1,017 |
| Noncurrent loans to loans | 3.8605% | 1,191 |
| Net loans and leases to total assets | 83.6258% | 205 |
| Net loans and leases to deposits | 92.6667% | 754 |
| Net loans and leases to core deposits | 99.0168% | 1,005 |
| Total domestic deposits to total assets | 90.2436% | 909 |
| Equity capital to assets | 5.3121% | 6,871 |
| Core capital (leverage) ratio | 6.1545% | 6,784 |
| Tier 1 risk-based capital ratio | 10.0526% | 6,683 |
| Total risk-based capital ratio | 11.2522% | 6,683 |
| Memoranda: | ||
| Average total assets | $215,176,000 | 2,929 |
| Average earning assets | $201,234,000 | 2,887 |
| Average equity | $14,154,500 | 4,168 |
| Average total loans | $177,345,000 | 2,243 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4120% | 3,766 |
| Cost of funding earning assets | 1.4385% | 218 |
| Net interest margin | 2.9735% | 6,097 |
| Noninterest income to average assets | 0.2016% | 5,972 |
| Noninterest expense to average assets | 4.2081% | 758 |
| Loan and lease loss provision to assets | -0.7457% | 7,062 |
| Net operating income to assets | -0.5447% | 6,593 |
| Return on assets (ROA) | -0.3279% | 6,514 |
| Pretax return on assets | -0.3279% | 6,494 |
| Return on Equity (ROE) | -4.0674% | 6,553 |
| Retained earnings to average equity (ytd only) | -4.0674% | 6,363 |
| Net charge-offs to loans | 0.9579% | 1,152 |
| Credit loss provision to net charge-offs | -112.9004% | 6,346 |
| Earnings coverage of net charge-offs (x) | -1.9537% | 5,831 |
| Efficiency ratio | 144.2296% | 104 |
| Assets per employee ($millions) | 3.8294% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2806% | 1,397 |
| Loan loss allowance to noncurrent loans | 58.9568% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 4.0715% | 1,040 |
| Noncurrent loans to loans | 3.8683% | 1,251 |
| Net loans and leases to total assets | 78.0384% | 673 |
| Net loans and leases to deposits | 90.9188% | 988 |
| Net loans and leases to core deposits | 96.2779% | 1,278 |
| Total domestic deposits to total assets | 85.8330% | 3,438 |
| Equity capital to assets | 8.3392% | 6,169 |
| Core capital (leverage) ratio | 8.7104% | 5,317 |
| Tier 1 risk-based capital ratio | 12.3052% | 5,598 |
| Total risk-based capital ratio | 13.5531% | 5,549 |
| Memoranda: | ||
| Average total assets | $170,170,000 | 3,451 |
| Average earning assets | $155,438,800 | 3,460 |
| Average equity | $13,719,000 | 4,222 |
| Average total loans | $117,345,000 | 3,137 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 3,711 |
| Cost of funding earning assets | 1.5428% | 164 |
| Net interest margin | 2.9388% | 6,291 |
| Noninterest income to average assets | 0.2138% | 6,011 |
| Noninterest expense to average assets | 4.1012% | 825 |
| Loan and lease loss provision to assets | -0.9333% | 7,166 |
| Net operating income to assets | -0.2798% | 6,557 |
| Return on assets (ROA) | -0.0429% | 6,453 |
| Pretax return on assets | -0.0429% | 6,438 |
| Return on Equity (ROE) | -0.5375% | 6,466 |
| Retained earnings to average equity (ytd only) | -0.5375% | 6,187 |
| Net charge-offs to loans | 0.4527% | 2,296 |
| Credit loss provision to net charge-offs | -312.2340% | 6,383 |
| Earnings coverage of net charge-offs (x) | -4.0585% | 5,694 |
| Efficiency ratio | 142.0039% | 112 |
| Assets per employee ($millions) | 3.6189% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7129% | 390 |
| Loan loss allowance to noncurrent loans | 64.7401% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 4.7035% | 970 |
| Noncurrent loans to loans | 5.7351% | 738 |
| Net loans and leases to total assets | 62.8482% | 3,231 |
| Net loans and leases to deposits | 69.2713% | 3,990 |
| Net loans and leases to core deposits | 73.3460% | 4,068 |
| Total domestic deposits to total assets | 90.7276% | 507 |
| Equity capital to assets | 8.9813% | 5,842 |
| Core capital (leverage) ratio | 8.8228% | 5,307 |
| Tier 1 risk-based capital ratio | 13.0199% | 5,225 |
| Total risk-based capital ratio | 14.2791% | 5,179 |
| Memoranda: | ||
| Average total assets | $167,717,000 | 3,528 |
| Average earning assets | $152,620,500 | 3,538 |
| Average equity | $13,396,500 | 4,318 |
| Average total loans | $110,748,000 | 3,313 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 3,472 |
| Cost of funding earning assets | 1.5898% | 160 |
| Net interest margin | 2.9828% | 6,277 |
| Noninterest income to average assets | 0.2396% | 5,852 |
| Noninterest expense to average assets | 4.1156% | 820 |
| Loan and lease loss provision to assets | -1.3994% | 7,234 |
| Net operating income to assets | 0.2300% | 5,829 |
| Return on assets (ROA) | 0.5871% | 4,683 |
| Pretax return on assets | 0.5871% | 5,187 |
| Return on Equity (ROE) | 7.6742% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.6742% | 1,774 |
| Net charge-offs to loans | -0.0633% | 6,732 |
| Credit loss provision to net charge-offs | 3,337.1429% | 89 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.6909% | 124 |
| Assets per employee ($millions) | 4.0524% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1219% | 319 |
| Loan loss allowance to noncurrent loans | 66.0410% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 4.9976% | 955 |
| Noncurrent loans to loans | 6.2415% | 691 |
| Net loans and leases to total assets | 62.0320% | 3,431 |
| Net loans and leases to deposits | 69.5968% | 3,953 |
| Net loans and leases to core deposits | 74.0121% | 4,034 |
| Total domestic deposits to total assets | 89.1305% | 1,432 |
| Equity capital to assets | 7.5752% | 6,767 |
| Core capital (leverage) ratio | 7.7422% | 6,489 |
| Tier 1 risk-based capital ratio | 11.2906% | 6,339 |
| Total risk-based capital ratio | 12.5910% | 6,290 |
| Memoranda: | ||
| Average total assets | $166,927,330 | 3,552 |
| Average earning assets | $151,467,670 | 3,573 |
| Average equity | $12,770,000 | 4,437 |
| Average total loans | $110,658,000 | 3,317 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 2,531 |
| Cost of funding earning assets | 1.6271% | 169 |
| Net interest margin | 3.2006% | 5,779 |
| Noninterest income to average assets | 0.1694% | 6,365 |
| Noninterest expense to average assets | 4.2737% | 688 |
| Loan and lease loss provision to assets | -1.3286% | 7,291 |
| Net operating income to assets | 0.1137% | 6,207 |
| Return on assets (ROA) | 0.8349% | 3,458 |
| Pretax return on assets | 0.8349% | 4,283 |
| Return on Equity (ROE) | 10.8589% | 2,083 |
| Retained earnings to average equity (ytd only) | 10.8589% | 1,069 |
| Net charge-offs to loans | -0.8798% | 7,203 |
| Credit loss provision to net charge-offs | 225.0000% | 1,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.7152% | 136 |
| Assets per employee ($millions) | 4.1280% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8065% | 201 |
| Loan loss allowance to noncurrent loans | 72.8816% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 5.4785% | 898 |
| Noncurrent loans to loans | 6.5950% | 721 |
| Net loans and leases to total assets | 64.3746% | 2,792 |
| Net loans and leases to deposits | 72.4523% | 3,361 |
| Net loans and leases to core deposits | 76.9204% | 3,483 |
| Total domestic deposits to total assets | 88.8510% | 1,791 |
| Equity capital to assets | 7.7224% | 6,679 |
| Core capital (leverage) ratio | 7.7694% | 6,437 |
| Tier 1 risk-based capital ratio | 10.9705% | 6,554 |
| Total risk-based capital ratio | 12.2791% | 6,505 |
| Memoranda: | ||
| Average total assets | $165,290,500 | 3,594 |
| Average earning assets | $149,221,000 | 3,635 |
| Average equity | $12,708,500 | 4,465 |
| Average total loans | $110,928,000 | 3,326 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8687% | 3,503 |
| Cost of funding earning assets | 1.8610% | 175 |
| Net interest margin | 3.0077% | 6,521 |
| Noninterest income to average assets | 0.1922% | 6,125 |
| Noninterest expense to average assets | 3.8547% | 1,251 |
| Loan and lease loss provision to assets | 1.4788% | 504 |
| Net operating income to assets | -2.4321% | 7,105 |
| Return on assets (ROA) | -2.3637% | 7,103 |
| Pretax return on assets | -2.3637% | 7,096 |
| Return on Equity (ROE) | -30.7766% | 7,102 |
| Retained earnings to average equity (ytd only) | -30.7766% | 7,095 |
| Net charge-offs to loans | 3.0924% | 299 |
| Credit loss provision to net charge-offs | 70.6031% | 4,824 |
| Earnings coverage of net charge-offs (x) | -0.4551% | 6,063 |
| Efficiency ratio | 132.8577% | 218 |
| Assets per employee ($millions) | 4.3543% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1472% | 165 |
| Loan loss allowance to noncurrent loans | 62.2476% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 6.2685% | 759 |
| Noncurrent loans to loans | 8.2690% | 478 |
| Net loans and leases to total assets | 63.1700% | 3,358 |
| Net loans and leases to deposits | 70.9877% | 3,953 |
| Net loans and leases to core deposits | 77.3981% | 3,761 |
| Total domestic deposits to total assets | 88.9873% | 1,542 |
| Equity capital to assets | 7.6549% | 6,744 |
| Core capital (leverage) ratio | 7.3387% | 6,732 |
| Tier 1 risk-based capital ratio | 10.7500% | 6,582 |
| Total risk-based capital ratio | 12.0608% | 6,538 |
| Memoranda: | ||
| Average total assets | $188,393,000 | 3,204 |
| Average earning assets | $169,695,000 | 3,254 |
| Average equity | $14,468,800 | 4,017 |
| Average total loans | $127,601,800 | 3,027 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 3,491 |
| Cost of funding earning assets | 1.9223% | 165 |
| Net interest margin | 2.9915% | 6,602 |
| Noninterest income to average assets | 0.1717% | 6,360 |
| Noninterest expense to average assets | 3.6766% | 1,547 |
| Loan and lease loss provision to assets | 1.8798% | 308 |
| Net operating income to assets | -2.7040% | 7,239 |
| Return on assets (ROA) | -2.6154% | 7,242 |
| Pretax return on assets | -2.6154% | 7,233 |
| Return on Equity (ROE) | -34.0307% | 7,227 |
| Retained earnings to average equity (ytd only) | -34.0307% | 7,219 |
| Net charge-offs to loans | 2.4493% | 448 |
| Credit loss provision to net charge-offs | 112.9125% | 2,893 |
| Earnings coverage of net charge-offs (x) | -0.4950% | 5,831 |
| Efficiency ratio | 128.8948% | 232 |
| Assets per employee ($millions) | 4.7406% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1272% | 82 |
| Loan loss allowance to noncurrent loans | 42.3633% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 10.2814% | 342 |
| Noncurrent loans to loans | 14.4635% | 150 |
| Net loans and leases to total assets | 62.4079% | 3,630 |
| Net loans and leases to deposits | 72.3388% | 3,935 |
| Net loans and leases to core deposits | 78.6637% | 3,806 |
| Total domestic deposits to total assets | 86.2717% | 3,056 |
| Equity capital to assets | 7.6475% | 6,868 |
| Core capital (leverage) ratio | 7.1709% | 6,908 |
| Tier 1 risk-based capital ratio | 10.8295% | 6,646 |
| Total risk-based capital ratio | 12.1551% | 6,578 |
| Memoranda: | ||
| Average total assets | $194,125,500 | 3,145 |
| Average earning assets | $173,957,250 | 3,182 |
| Average equity | $14,919,500 | 3,933 |
| Average total loans | $131,953,500 | 2,974 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0717% | 2,817 |
| Cost of funding earning assets | 1.9607% | 164 |
| Net interest margin | 3.1110% | 6,385 |
| Noninterest income to average assets | 0.2006% | 6,232 |
| Noninterest expense to average assets | 3.5884% | 1,766 |
| Loan and lease loss provision to assets | 2.5893% | 196 |
| Net operating income to assets | -3.2071% | 7,327 |
| Return on assets (ROA) | -3.0784% | 7,318 |
| Pretax return on assets | -3.0784% | 7,313 |
| Return on Equity (ROE) | -39.9966% | 7,305 |
| Retained earnings to average equity (ytd only) | -39.9966% | 7,300 |
| Net charge-offs to loans | 0.8507% | 1,802 |
| Credit loss provision to net charge-offs | 444.9400% | 683 |
| Earnings coverage of net charge-offs (x) | -1.0617% | 5,642 |
| Efficiency ratio | 120.7997% | 338 |
| Assets per employee ($millions) | 3.9000% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9667% | 55 |
| Loan loss allowance to noncurrent loans | 96.8247% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 5.9396% | 947 |
| Noncurrent loans to loans | 7.1951% | 699 |
| Net loans and leases to total assets | 63.0819% | 3,663 |
| Net loans and leases to deposits | 72.6922% | 4,002 |
| Net loans and leases to core deposits | 79.5814% | 3,852 |
| Total domestic deposits to total assets | 86.7795% | 2,869 |
| Equity capital to assets | 7.5165% | 6,939 |
| Core capital (leverage) ratio | 6.9548% | 7,012 |
| Tier 1 risk-based capital ratio | 10.4763% | 6,795 |
| Total risk-based capital ratio | 11.7925% | 6,770 |
| Memoranda: | ||
| Average total assets | $200,366,000 | 3,098 |
| Average earning assets | $178,401,670 | 3,155 |
| Average equity | $15,421,330 | 3,833 |
| Average total loans | $137,067,670 | 2,913 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2069% | 2,201 |
| Cost of funding earning assets | 2.0020% | 164 |
| Net interest margin | 3.2049% | 6,055 |
| Noninterest income to average assets | 0.2339% | 6,043 |
| Noninterest expense to average assets | 3.6724% | 1,594 |
| Loan and lease loss provision to assets | 2.8664% | 167 |
| Net operating income to assets | -3.4830% | 7,426 |
| Return on assets (ROA) | -3.4153% | 7,422 |
| Pretax return on assets | -3.4153% | 7,409 |
| Return on Equity (ROE) | -43.9102% | 7,389 |
| Retained earnings to average equity (ytd only) | -43.9102% | 7,374 |
| Net charge-offs to loans | 1.8124% | 716 |
| Credit loss provision to net charge-offs | 230.2795% | 1,330 |
| Earnings coverage of net charge-offs (x) | -0.4953% | 4,791 |
| Efficiency ratio | 120.1771% | 339 |
| Assets per employee ($millions) | 4.6524% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5708% | 133 |
| Loan loss allowance to noncurrent loans | 74.2307% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 6.1097% | 931 |
| Noncurrent loans to loans | 7.5048% | 692 |
| Net loans and leases to total assets | 63.5191% | 3,538 |
| Net loans and leases to deposits | 72.8403% | 3,942 |
| Net loans and leases to core deposits | 79.7684% | 3,790 |
| Total domestic deposits to total assets | 87.2032% | 2,827 |
| Equity capital to assets | 7.4321% | 6,901 |
| Core capital (leverage) ratio | 7.1383% | 6,946 |
| Tier 1 risk-based capital ratio | 10.3049% | 6,900 |
| Total risk-based capital ratio | 11.6275% | 6,856 |
| Memoranda: | ||
| Average total assets | $206,948,500 | 3,023 |
| Average earning assets | $182,219,000 | 3,110 |
| Average equity | $16,096,500 | 3,710 |
| Average total loans | $142,135,000 | 2,839 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4094% | 2,629 |
| Cost of funding earning assets | 2.2233% | 283 |
| Net interest margin | 3.1861% | 6,302 |
| Noninterest income to average assets | 0.1324% | 6,731 |
| Noninterest expense to average assets | 3.3767% | 2,505 |
| Loan and lease loss provision to assets | 4.1464% | 149 |
| Net operating income to assets | -4.4572% | 7,484 |
| Return on assets (ROA) | -4.2070% | 7,472 |
| Pretax return on assets | -4.2070% | 7,465 |
| Return on Equity (ROE) | -57.1768% | 7,467 |
| Retained earnings to average equity (ytd only) | -57.1768% | 7,465 |
| Net charge-offs to loans | 4.6233% | 222 |
| Credit loss provision to net charge-offs | 121.7168% | 3,452 |
| Earnings coverage of net charge-offs (x) | -0.0912% | 6,215 |
| Efficiency ratio | 110.1380% | 533 |
| Assets per employee ($millions) | 3.8739% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6612% | 244 |
| Loan loss allowance to noncurrent loans | 97.4608% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 3.6144% | 1,903 |
| Noncurrent loans to loans | 4.7827% | 1,442 |
| Net loans and leases to total assets | 66.8000% | 3,275 |
| Net loans and leases to deposits | 77.1012% | 3,660 |
| Net loans and leases to core deposits | 84.2111% | 3,567 |
| Total domestic deposits to total assets | 86.6394% | 3,010 |
| Equity capital to assets | 8.1165% | 6,365 |
| Core capital (leverage) ratio | 7.8550% | 6,378 |
| Tier 1 risk-based capital ratio | 10.8047% | 6,482 |
| Total risk-based capital ratio | 12.0985% | 6,420 |
| Memoranda: | ||
| Average total assets | $217,492,400 | 2,900 |
| Average earning assets | $200,242,200 | 2,874 |
| Average equity | $16,003,000 | 3,766 |
| Average total loans | $160,254,800 | 2,616 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 3,421 |
| Cost of funding earning assets | 2.2313% | 349 |
| Net interest margin | 3.0547% | 6,721 |
| Noninterest income to average assets | 0.1227% | 6,938 |
| Noninterest expense to average assets | 3.1734% | 3,018 |
| Loan and lease loss provision to assets | 3.2360% | 245 |
| Net operating income to assets | -3.4121% | 7,506 |
| Return on assets (ROA) | -3.3459% | 7,510 |
| Pretax return on assets | -3.3459% | 7,478 |
| Return on Equity (ROE) | -46.6177% | 7,539 |
| Retained earnings to average equity (ytd only) | -46.6177% | 7,537 |
| Net charge-offs to loans | 4.2538% | 264 |
| Credit loss provision to net charge-offs | 102.0490% | 4,218 |
| Earnings coverage of net charge-offs (x) | -0.0555% | 6,074 |
| Efficiency ratio | 105.8752% | 602 |
| Assets per employee ($millions) | 3.7809% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4749% | 549 |
| Loan loss allowance to noncurrent loans | 69.7970% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 3.6486% | 1,952 |
| Noncurrent loans to loans | 4.9785% | 1,392 |
| Net loans and leases to total assets | 67.5039% | 3,330 |
| Net loans and leases to deposits | 75.4243% | 4,278 |
| Net loans and leases to core deposits | 84.6031% | 3,862 |
| Total domestic deposits to total assets | 89.4989% | 1,128 |
| Equity capital to assets | 5.5543% | 7,528 |
| Core capital (leverage) ratio | 4.8383% | 7,561 |
| Tier 1 risk-based capital ratio | 6.3897% | 7,588 |
| Total risk-based capital ratio | 7.6345% | 7,591 |
| Memoranda: | ||
| Average total assets | $219,568,000 | 2,923 |
| Average earning assets | $206,629,000 | 2,824 |
| Average equity | $15,759,000 | 3,849 |
| Average total loans | $163,675,750 | 2,606 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 3,693 |
| Cost of funding earning assets | 2.2730% | 367 |
| Net interest margin | 2.9805% | 6,866 |
| Noninterest income to average assets | 0.1256% | 6,968 |
| Noninterest expense to average assets | 3.1449% | 3,121 |
| Loan and lease loss provision to assets | 0.4434% | 3,103 |
| Net operating income to assets | -0.6546% | 6,784 |
| Return on assets (ROA) | -0.5691% | 6,750 |
| Pretax return on assets | -0.5691% | 6,640 |
| Return on Equity (ROE) | -7.3738% | 6,859 |
| Retained earnings to average equity (ytd only) | -7.3738% | 6,770 |
| Net charge-offs to loans | 0.7420% | 2,379 |
| Credit loss provision to net charge-offs | 78.5484% | 4,747 |
| Earnings coverage of net charge-offs (x) | -0.3742% | 5,966 |
| Efficiency ratio | 107.2005% | 606 |
| Assets per employee ($millions) | 4.0053% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1504% | 735 |
| Loan loss allowance to noncurrent loans | 52.3780% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 4.5013% | 1,477 |
| Noncurrent loans to loans | 6.0148% | 1,061 |
| Net loans and leases to total assets | 71.0019% | 2,657 |
| Net loans and leases to deposits | 81.1936% | 3,401 |
| Net loans and leases to core deposits | 86.2944% | 3,786 |
| Total domestic deposits to total assets | 87.4477% | 2,291 |
| Equity capital to assets | 7.6461% | 7,027 |
| Core capital (leverage) ratio | 7.0842% | 7,144 |
| Tier 1 risk-based capital ratio | 8.9002% | 7,433 |
| Total risk-based capital ratio | 10.1047% | 7,454 |
| Memoranda: | ||
| Average total assets | $219,660,330 | 2,942 |
| Average earning assets | $206,948,000 | 2,848 |
| Average equity | $16,952,000 | 3,639 |
| Average total loans | $167,114,670 | 2,598 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 2,776 |
| Cost of funding earning assets | 2.3440% | 369 |
| Net interest margin | 3.1175% | 6,547 |
| Noninterest income to average assets | 0.1222% | 7,075 |
| Noninterest expense to average assets | 3.2843% | 2,580 |
| Loan and lease loss provision to assets | 0.5945% | 2,135 |
| Net operating income to assets | -0.8243% | 7,017 |
| Return on assets (ROA) | -0.6529% | 6,963 |
| Pretax return on assets | -0.6529% | 6,872 |
| Return on Equity (ROE) | -8.4206% | 7,073 |
| Retained earnings to average equity (ytd only) | -8.4206% | 6,860 |
| Net charge-offs to loans | 1.4501% | 1,193 |
| Credit loss provision to net charge-offs | 52.9221% | 4,438 |
| Earnings coverage of net charge-offs (x) | -0.2045% | 5,163 |
| Efficiency ratio | 107.5224% | 645 |
| Assets per employee ($millions) | 3.9479% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9308% | 873 |
| Loan loss allowance to noncurrent loans | 63.8695% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.7216% | 1,873 |
| Noncurrent loans to loans | 4.5888% | 1,619 |
| Net loans and leases to total assets | 75.2283% | 1,692 |
| Net loans and leases to deposits | 86.2659% | 2,538 |
| Net loans and leases to core deposits | 92.7328% | 3,010 |
| Total domestic deposits to total assets | 87.2052% | 2,526 |
| Equity capital to assets | 7.7445% | 6,888 |
| Core capital (leverage) ratio | 7.2471% | 7,072 |
| Tier 1 risk-based capital ratio | 8.7781% | 7,519 |
| Total risk-based capital ratio | 10.0463% | 7,537 |
| Memoranda: | ||
| Average total assets | $219,343,500 | 2,998 |
| Average earning assets | $206,316,500 | 2,919 |
| Average equity | $17,006,000 | 3,651 |
| Average total loans | $169,921,500 | 2,609 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8289% | 2,532 |
| Cost of funding earning assets | 2.8916% | 317 |
| Net interest margin | 2.9374% | 6,784 |
| Noninterest income to average assets | 0.1615% | 6,915 |
| Noninterest expense to average assets | 2.9385% | 4,391 |
| Loan and lease loss provision to assets | 2.0403% | 1,050 |
| Net operating income to assets | -2.0448% | 7,113 |
| Return on assets (ROA) | -1.9170% | 7,056 |
| Pretax return on assets | -1.9170% | 6,902 |
| Return on Equity (ROE) | -26.8782% | 7,338 |
| Retained earnings to average equity (ytd only) | -26.8782% | 7,310 |
| Net charge-offs to loans | 1.3369% | 1,868 |
| Credit loss provision to net charge-offs | 203.4483% | 1,904 |
| Earnings coverage of net charge-offs (x) | -0.0045% | 6,205 |
| Efficiency ratio | 100.1551% | 1,091 |
| Assets per employee ($millions) | 4.0282% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0438% | 744 |
| Loan loss allowance to noncurrent loans | 84.5531% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 3.0489% | 2,287 |
| Noncurrent loans to loans | 3.5998% | 2,101 |
| Net loans and leases to total assets | 75.0803% | 2,006 |
| Net loans and leases to deposits | 86.1238% | 2,895 |
| Net loans and leases to core deposits | 123.6367% | 1,666 |
| Total domestic deposits to total assets | 87.1773% | 2,400 |
| Equity capital to assets | 7.7616% | 6,806 |
| Core capital (leverage) ratio | 7.2666% | 7,016 |
| Tier 1 risk-based capital ratio | 8.9305% | 7,500 |
| Total risk-based capital ratio | 10.2028% | 7,509 |
| Memoranda: | ||
| Average total assets | $219,772,400 | 2,943 |
| Average earning assets | $207,431,200 | 2,865 |
| Average equity | $15,674,400 | 3,931 |
| Average total loans | $164,854,800 | 2,687 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8339% | 2,728 |
| Cost of funding earning assets | 2.9922% | 339 |
| Net interest margin | 2.8416% | 6,984 |
| Noninterest income to average assets | 0.1708% | 6,987 |
| Noninterest expense to average assets | 2.5769% | 5,793 |
| Loan and lease loss provision to assets | 2.1027% | 840 |
| Net operating income to assets | -1.8243% | 7,247 |
| Return on assets (ROA) | -1.6571% | 7,176 |
| Pretax return on assets | -1.6571% | 7,029 |
| Return on Equity (ROE) | -23.7647% | 7,482 |
| Retained earnings to average equity (ytd only) | -23.7647% | 7,456 |
| Net charge-offs to loans | 1.5721% | 1,303 |
| Credit loss provision to net charge-offs | 179.7817% | 2,555 |
| Earnings coverage of net charge-offs (x) | 0.2380% | 5,778 |
| Efficiency ratio | 90.2491% | 1,665 |
| Assets per employee ($millions) | 4.1150% | 3,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6240% | 945 |
| Loan loss allowance to noncurrent loans | 88.3909% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 2.3740% | 2,898 |
| Noncurrent loans to loans | 2.9686% | 2,548 |
| Net loans and leases to total assets | 73.4088% | 2,685 |
| Net loans and leases to deposits | 82.6210% | 3,904 |
| Net loans and leases to core deposits | 116.7204% | 2,548 |
| Total domestic deposits to total assets | 88.8500% | 1,269 |
| Equity capital to assets | 6.3864% | 7,790 |
| Core capital (leverage) ratio | 5.9429% | 7,813 |
| Tier 1 risk-based capital ratio | 7.7149% | 7,833 |
| Total risk-based capital ratio | 8.8641% | 7,849 |
| Memoranda: | ||
| Average total assets | $219,327,500 | 2,968 |
| Average earning assets | $207,198,750 | 2,893 |
| Average equity | $15,294,000 | 4,045 |
| Average total loans | $163,177,500 | 2,742 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8492% | 2,809 |
| Cost of funding earning assets | 3.0721% | 385 |
| Net interest margin | 2.7771% | 7,057 |
| Noninterest income to average assets | 0.1770% | 7,030 |
| Noninterest expense to average assets | 2.5881% | 5,785 |
| Loan and lease loss provision to assets | 3.3549% | 433 |
| Net operating income to assets | -3.1457% | 7,701 |
| Return on assets (ROA) | -3.0019% | 7,672 |
| Pretax return on assets | -3.0019% | 7,573 |
| Return on Equity (ROE) | -41.8261% | 7,859 |
| Retained earnings to average equity (ytd only) | -41.8261% | 7,846 |
| Net charge-offs to loans | 2.3560% | 759 |
| Credit loss provision to net charge-offs | 192.2874% | 2,377 |
| Earnings coverage of net charge-offs (x) | 0.1199% | 5,544 |
| Efficiency ratio | 92.5206% | 1,604 |
| Assets per employee ($millions) | 4.2530% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8162% | 669 |
| Loan loss allowance to noncurrent loans | 89.4697% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 2.4622% | 2,619 |
| Noncurrent loans to loans | 3.1477% | 2,266 |
| Net loans and leases to total assets | 71.8006% | 3,279 |
| Net loans and leases to deposits | 80.6563% | 4,446 |
| Net loans and leases to core deposits | 121.5025% | 2,240 |
| Total domestic deposits to total assets | 89.0204% | 1,261 |
| Equity capital to assets | 6.0432% | 7,919 |
| Core capital (leverage) ratio | 5.8488% | 7,951 |
| Tier 1 risk-based capital ratio | 7.0993% | 8,000 |
| Total risk-based capital ratio | 8.3654% | 8,004 |
| Memoranda: | ||
| Average total assets | $216,995,670 | 3,019 |
| Average earning assets | $204,746,670 | 2,941 |
| Average equity | $15,574,000 | 4,003 |
| Average total loans | $160,697,330 | 2,812 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8385% | 3,101 |
| Cost of funding earning assets | 3.0864% | 473 |
| Net interest margin | 2.7521% | 7,086 |
| Noninterest income to average assets | 0.1598% | 7,165 |
| Noninterest expense to average assets | 2.5509% | 5,645 |
| Loan and lease loss provision to assets | 0.1316% | 5,273 |
| Net operating income to assets | 0.0771% | 6,046 |
| Return on assets (ROA) | 0.1899% | 5,861 |
| Pretax return on assets | 0.1899% | 5,966 |
| Return on Equity (ROE) | 2.4411% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.4411% | 4,518 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4387% | 1,539 |
| Assets per employee ($millions) | 4.3503% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8872% | 1,650 |
| Loan loss allowance to noncurrent loans | 94.2446% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.5798% | 3,558 |
| Noncurrent loans to loans | 2.0025% | 3,259 |
| Net loans and leases to total assets | 70.6007% | 3,550 |
| Net loans and leases to deposits | 80.8017% | 4,492 |
| Net loans and leases to core deposits | 120.9596% | 2,338 |
| Total domestic deposits to total assets | 87.3753% | 2,026 |
| Equity capital to assets | 7.5649% | 7,297 |
| Core capital (leverage) ratio | 7.9093% | 6,599 |
| Tier 1 risk-based capital ratio | 9.1327% | 7,717 |
| Total risk-based capital ratio | 10.3877% | 7,717 |
| Memoranda: | ||
| Average total assets | $212,789,000 | 3,087 |
| Average earning assets | $201,011,000 | 3,005 |
| Average equity | $16,550,000 | 3,830 |
| Average total loans | $157,778,500 | 2,883 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7079% | 2,000 |
| Cost of funding earning assets | 3.7601% | 222 |
| Net interest margin | 2.9478% | 7,038 |
| Noninterest income to average assets | 0.1759% | 7,175 |
| Noninterest expense to average assets | 2.8182% | 4,747 |
| Loan and lease loss provision to assets | 0.8965% | 1,664 |
| Net operating income to assets | -0.7634% | 7,112 |
| Return on assets (ROA) | -0.6683% | 6,943 |
| Pretax return on assets | -0.6683% | 6,786 |
| Return on Equity (ROE) | -7.5287% | 7,094 |
| Retained earnings to average equity (ytd only) | -7.5287% | 6,837 |
| Net charge-offs to loans | 0.0673% | 5,816 |
| Credit loss provision to net charge-offs | 1,800.0000% | 241 |
| Earnings coverage of net charge-offs (x) | 2.6735% | 4,744 |
| Efficiency ratio | 95.4882% | 1,188 |
| Assets per employee ($millions) | 3.7724% | 4,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 1,450 |
| Loan loss allowance to noncurrent loans | 313.0851% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 5,363 |
| Noncurrent loans to loans | 0.6029% | 5,567 |
| Net loans and leases to total assets | 75.0874% | 2,863 |
| Net loans and leases to deposits | 89.4452% | 3,544 |
| Net loans and leases to core deposits | 132.9261% | 1,661 |
| Total domestic deposits to total assets | 83.9479% | 3,349 |
| Equity capital to assets | 8.0093% | 6,831 |
| Core capital (leverage) ratio | 7.9360% | 6,590 |
| Tier 1 risk-based capital ratio | 9.3605% | 7,448 |
| Total risk-based capital ratio | 10.6161% | 7,373 |
| Memoranda: | ||
| Average total assets | $196,756,000 | 3,181 |
| Average earning assets | $185,259,000 | 3,110 |
| Average equity | $17,466,400 | 3,652 |
| Average total loans | $145,585,000 | 2,998 |